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If you’re one of the few Americans who have successfully paid their medical debt after falling behind, your credit score is affected for seven years afterward, jeopardizing your ability to receive future loans and making it difficult to improve your creditworthiness.

This is why several groups are asking Congress to consider the Medical Debt Relief Act (H.R. 1767).

Oregon Sen. Jeff Merkely and California Sen. Maxine Waters introduced this bill in January of 2013. Passage of this legislation would ensure any paid—or settled—medical debt less than $2,500 will be removed from a credit report 45 days after it’s paid. Currently, the legislation is with the Banking, Housing and Urban Fairs Senate Committee for debate.

In essence, advocacy groups argue that consumers are being wrongly burdened by former debt and/or inaccurate credit scores because of a system flaw that allows this misinformation to remain active on a person’s credit score, even when debt is settled. This flaw significantly reduces a consumer’s credit score and therefore his/her borrowing ability.

Sen. Waters articulated the reasoning of the proposed legislation:

“The consumer should not continue to be arbitrarily penalized. The solution to this problem is simple and fair; information about a medical debt should be removed from a credit report once it is fully settled or paid. This information should not linger on a consumer’s credit report, like an albatross around their neck, making it more difficult for them to obtain credit for years to come.”

People with health care costs using credit cards to make payments, or who are borrowing money to pay these debts, should care about this bill for the following reasons:

Pay less expensive borrowing fees

Pay less expensive interest rates

Achieve an improved credit score

If you have lingering health costs that are ruining your credit, you can take steps to paying your debt to strengthen your credit score.

Decrease Your Medical Debt

Have you considered a credit repair agency to help you manage your medical debt? We can help. Call 1-866-639-3426 or browse our website to learn about how we can assist you with improving your credit score as well as reducing your health care balance.

Credit card payments can be stressful, to say the least. Unfortunately, many people adopt a false sense of relief when making minimum payments each month. What they don’t realize is that this tactic does little to make any headway in terms of escaping debt. A minimum payment may keep your head above water, but it won’t actually save you from drowning.

With the minimum payment, you are safe in that your payments are on time, but it is the accruing interest that is of the most concern. The longer you have a balance, the more interest you are going to pay. Credit card companies are also notorious for their fees, and one late payment can earn you a $29 late charge and may even increase your interest rates. At this point, it is all too easy to exceed your spending limit. Before you know it, you are hit with an over-the-limit fee on top of everything else.

Once you begin paying fees in addition to your interest, your debt can quickly spiral out of control. A large payment is needed somewhere, but most people don’t have the available funds to stop the debt from accumulating. It is only a matter of time before you’re buried so deep in debt that minimum payments are not enough to dig you out.

If we run some numbers based on our current economy, we can clearly see how paying only minimum payments is harmful to our credit card health. With a $2,000 balance at 9.9 percent interest, the minimum payment is $40. At that rate, it would take 10 years to pay off the balance, and you would have paid $997 worth of interest – that’s almost $1,000 in interest paid for spending $2,000 you didn’t have in the first place.

But most people don’t have 9.9 percent interest rates – they have 18 percent interest rates and balances closer to $5,000. With a minimum payment of $100, it would take you 35 years to pay it off. And for the privilege of having that $5,000 to spend, you would pay $12,863 in interest alone.

Minimum payments might seem like the easy way to budget, but they only benefit the credit card company.

By the time you pay off a credit card using minimum payments, you won’t even remember what it was that was so important to buy at the time. Employ proper spending habits and don’t be fooled by marketing schemes. You may get five cents off per gallon with the use of your card, but at 10 percent interest, it’s not quite the benefit you were expecting. Remember: If you can’t afford it with cash, you cannot afford it with your card.

Christmas season revelers were singing, “Bring in the noise, bring in the funk.” Funk is right! But the aftermath – high interest rates on credit cards – bring a different kind of funk to the months of January and throughout the year. Spending on Black Friday may have sounded like a good idea at the time, but overspending is never more prevalent than at Christmas. The months following yuletide bliss can be ferocious, especially for those drowning in high interest credit card debt. It’s so easy to justify that extra credit card debt at Christmas, but recovering from the spending can take you right into the next Christmas season. It’s possible that high interest rates on credit cards may have more to do with winter depression than lack of sunshine.

While retailers coast into the new year on your Christmas purchases, you’re stuck in a midwinter depression, paying interest on the purchases you made the day after Thanksgiving. You know the problem, but here is something perhaps you do not know: Your case is not hopeless. Getting out of the winter credit card funk will take a little work, but we can help you create a plan to pay down debt quickly.

Our suggestion? Start with the card that has the highest interest rate and pay it off first. This sounds radical since some financial advisers may encourage just the opposite: paying lower balances first. However, a financial payoff plan that targets high interest rates first is a good idea. Why? Let’s say you pay off the card of lesser interest first. While you are doing so, the higher interest is piling up fast. You will pay more in the long run on a higher interest loan that is left idling on minimum payments than you would on a lower balance card. Paying off the higher interest loan will result in less total interest piled on to your debt. When the high interest loan is eliminated, you can then concentrate greatly on the lesser loan, even adding the difference paid from the higher interest loan, which is now happily paid off.

Paying off high interest credit cards can help positively affect your credit rating, especially if you get the balances on the cards under 50%. Outstanding debt accounts for 30% of your credit score, so paying off those high interest cards can make a difference.

Ovation specializes in diffusing the funk on high interest loans. Our payment tools will take the guesswork on how to get started.

Sometimes, all you have to do is ask. This is true whether you’re looking for a room upgrade at a hotel or could use the leg room of first class on a business flight. The same principle is true with credit card interest rates. Sure, we all go around with the mind set that the interest we pay to the credit card companies is just the cost of being able to buy things we wouldn’t otherwise be able to afford. But even a small reduction in the amount of interest you pay can get you moving quickly toward something we all like to see: zero balance.

There are a few tricks to getting your credit card companies to consider lowering your interest rate.

Pay your bill on time every month. If you have late payments or skipped payments, it will be unlikely that you will be able to convince the credit card company to lower your interest rate.

Pay more than the minimum payment each month. Even if you are only paying $5-10 more than the minimum, it shows a sense of responsibility that the credit card company is likely to recognize.

Start with the credit cards you’ve had the longest. Customer loyalty goes a long way in any business, and as competitive as the credit card industry is, it matters to them, too.

Before you call the credit card company and request a reduction in your interest rate, do some homework. If you’ve received offers from other companies for credit cards with lower interest rates and similar features, keep them handy. Know your credit history and credit rating.

When you call, be armed with some facts. Let them know that you can switch to another company and get a better rate, but that you would prefer to stay with the company you’ve been doing business with for so long. Point out that you have a stellar payment history with them.

And, don’t take “no” for an answer, at least not from the rep who answers the phone.

The people answering the phone are gatekeepers – they answer the basic calls, have a set script from which they work, and have limited authority to make changes. If they can’t do anything for you, politely ask if you could speak to a supervisor to have your request reconsidered.

When it comes to credit card negotiations, persistency pays. You have to do your part by paying on time, but credit card companies don’t want to lose you. It never hurts to ask.

When it comes to Christmas, people often throw their budgets out the window. Credit card companies sing carols in the halls as the debt piles up and their bonuses get bigger. People just assume they can take care of it next month or decide they’ll figure it out after the holidays because Uncle Fred really needs that food dehydrator.

Once the presents are unwrapped and reality sets in, you realize that your credit cards are bulging with debt and you need to make some decisions on how to get it paid off before next Christmas.

Pay Off as Much as Possible Right Away

Odds are most of the Christmas shopping was done recently, so the interest hasn’t been applied to it yet. Try and take care of as much of the debt as possible before that interest hits. It doesn’t matter if you make a payment every week or so, as long as you are paying down that debt. You should start with the highest interest rate cards first and work your way down. Do not pay only the minimums as this can take literally years to pay off the debt.

Make a Plan

Call each of your credit card companies and find out exactly who much you owe on each card, what their monthly interest rates are and when payments are due. If you have any credit cards that may go over the limit because of interest, then take care of them first. Make a plan to pay down and eliminate the debt each month. The last thing anyone wants is additional over the limit fees. Also, make sure you pay your bills on time and save yourself late fees.

Consolidate the Credit Debt

If you have a home equity line of credit or can get a home equity loan, then you can completely pay off the credit card companies, and instead, make a single loan payment. The interest rate on the loan is likely to be much less than the credit cards and you don’t have to worry about juggling several different payments. If you do chose this option, then try to stay away from using the credit cards until the loan is paid off. You don’t want a large monthly loan payment and credit card payments as well.

Work With A Credit Counselor or Repair Expert

If the debt is overwhelming and you don’t feel like you can take on the debt yourself, then you can work with a credit counseling or credit repair service. Credit repair services like Ovation specialize in helping people with large debts make the right decisions and will even work with credit card companies to help save on interest rates and monthly payments.

Christmas is a time of great joy and celebration, but for many it’s also a time for large debt. Don’t get stuck in the quagmire; follow these tips for getting your life back on track after the holiday season.

The holidays are over, and if you’re like a lot of folks, your credit cards got quite a workout. As 2012 rolls in, you’re probably wondering how can you best handle the extra charges that’ll show up on your next statement. Ovation’s Payment Scheduling Tool can help you find a solution that fits your needs and goals. Ovation’s payment scheduling tool is available to everyone; Ovation customers have the added option of being able to save and download their queries. Anyone can run scenarios to determine the best course of action:

Pay highest interest first: If your goal is to avoid interest payments, this is the right scenario for you. Let’s say you have a couple of cards that charge 20 percent interest and you have a couple of cards charging 10 percent interest that have higher balances. You’re better off paying your higher interest cards first because you’ll pay a lot less money in interest and then you can focus on paying down the balances on the other cards.

Minimum payments with a snowball: This option tells you how long it’ll take to pay off the cards if you add an additional amount to the minimum payment each month.

Highest balance first: Another option is to pay off the card with the highest balance first to get rid of the bigger debt. You’ll have to apply more of your income to it, but once it’s paid off you can split that amount over several accounts. That way you can get four or five accounts paid off after you pay off one big one.

Lowest balance first: This option will give you the satisfaction of actually paying a credit card off and free up some cash to apply to another card’s balance.

Split Discretionary Evenly: This might be the option for you if your goal is to increase your credit score and the only thing holding it down is a card or two with a balance that’s more than 50% of the card’s limit. Focus on those cards, get them below 50% debt to limit ratio, and then switch your focus to your high interest or high balance cards.

Bi-monthly payments: Choose this option and the amount of your bi-monthly payment, and the Payment Scheduler will tell you the most effective way to split your payment amount to get everything paid off.

We invite you to try Ovation’s Payment Scheduling Tool. It’s easy to use, helps you find the best way to manage your credit card balances, and puts you in control of your financial future.

Accurate negative information generally remains listed on your credit report for up to seven years, while bankruptcies remain for 7-10 years. However, there are things you can do to gradually improve and maintain a good credit score, such as the following:

Fix any inaccurate information. This is one of the most important things you can do to maximize your credit score. Up to 79% of credit reports contain errors.

Update old accounts.

Request that old inquiries be removed (older than 2 years).

Pay your bills on time. Delinquent payments, even if only a few days late, and collections can have a major negative impact on your score.

If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your credit score. Older credit problems count for less, so poor credit performance won’t haunt you forever. The impact of past credit problems on your score fades as time passes and as recent good payment patterns show up on your credit report.

Be aware that paying off an accurate collection account will not remove it from your credit report. It will stay on your report for seven years.

Keep balances low on credit cards and other “revolving credit”. High outstanding debt can affect a credit score.

Pay off debt. The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.

Don’t open a number of new credit cards that you don’t need, just to increase your available credit. Apply for and open new credit accounts only as needed. Don’t open accounts for the purpose of providing a better credit picture – it probably won’t raise your score and, in some instances, may even lower your score.

If you have been managing credit for a short time, don’t open a lot of new accounts too rapidly. New accounts will lower your average account age, which will have a larger effect on your score if you don’t have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.

Do your rate shopping for a loan within a focused period of time. FICO scores distinguish between a search for a mortgage or auto loan, where it is customary to shop for the best rate, and a search for many new credit cards.

The credit score was designed to show lenders how much of a risk a consumer can be. The higher your credit scores are the lower the risk you are to creditors and obviously the lower your credit scores are the higher the risk you are. When it comes to your credit and credit score, paying off your credit cards and credit accounts is always a good idea and can help raise your credit score. However, closing your credit accounts does not always help your credit score, even if they are paid off. Sometimes closing your credit accounts will even lower your credit scores. Let me explain why. When you pay off an account it helps raise your credit score in a couple of areas. First, it helps the payment history to show that the account is paid and positive. Second, it shows you have less money you owe on that account and on your overall credit. But, the downside is when you close your credit accounts you are stopping your payment history on that account, therefore shortening the timeframe of your payment history. If any of the credit accounts you paid off have been open for 2 years or less than you are ok to close them out because you are not getting rid of a long history. However, if you have had the card for 5+ years than I would recommend you keep it open so you don’t lose that payment history. Payment history counts as 35% of your credit score. What this means is that the longer you have your credit accounts (mostly credit cards because they are revolving) the better. Your credit score takes an average of your payment history time frame, for example, if you had 2 cards for 10 years and 1 card for 1 year, the credit account that you have only had for a year is actually bringing down your average. So, if you pay the accounts off that is great but don’t close them unless you have to and if you do close any, close the one you have had for a year so your average will go back to 10 years. This will help your credit score!

Good Luck and with any other credit questions, ask our Credit Expert Kristi Thornton by emailing your questions to [email protected]. You can also call any of our Case Analysts at 1-866-639-3426 Option 2 or check out our site at www.ovationcredit.com.

When you pay off a collection or charge off account on your credit report that is great. It is always in a consumer’s best interest to pay off their debt. However, a lot of consumers think that once the account is paid that it is no longer negative and has actually become positive. That would be great, unfortunately that is not the case, and it is still a negative account. The creditor should update your account on your credit report to show that it is paid in full or paid collection/charge off. By updating that information it will have a positive impact on your credit report and more importantly on your credit score. The amounts owed on your accounts is 30% of your credit score, so as you pay accounts off it will help to raise your credit score. By paying accounts off they no longer have such a bad impact on the credit score.

Your credit scores will improve when you pay off accounts because your reports will show you owe less money to creditors, it will stop the account from updating every month that it is not paid and it’s late, and it will keep the date of last activity as when it was paid. When the account is paid off it stops the activity on the account so that it will fall off of your credit reports 7 years (for most items) from the date of last activity. All collection, charge off, and late payments should come off your reports 7 years from the date of last activity. If you have accounts that have not updated as paid or have not come off your reports when they were supposed to, then give us a call.

If you have any other questions about items on your credit reports, how items are reporting, and when items will come off your credit reports, please call one of our Experts at Ovation Credit Services. Call 1-866-639-3426 and schedule a FREE credit consultation! Check out http://www.ovationcredit.com/howItWorks/howWeHelp.php to see other ways we can help! We are here to guide you to a BETTER Financial Future!

Yes, you can dispute accounts on your credit reports that belong to you. Just because an account is yours, does not mean that it is reporting accurately or that all of the information reporting on the account is correct. Statistics show that 79% of credit reports in the United States contain errors. If an account has incomplete or inaccurate information then you would want to dispute the account and any information reporting on it that is incorrect. You can dispute the balance of the account, any incorrect dates reporting with the account, whether the account is open or closed, or any other information that is listed incorrectly. For example, if you have an account that is reporting as being 90 days late and you know it was never late, then you would dispute the late payment to get the late payment updated/removed from your report, not the entire account. That is exactly why you want to review your report at least once a year.

As a consumer it is in your best interest to go through your credit report once or twice a year and review all of the accounts and the information reporting on each account. That way if you find inaccurate information and/or accounts, you can dispute them right away. Too many consumers wait and then review their credit reports when they are trying to finance a car or a home and then it is too late. If there are negative errors on your credit reports you run the risk of being declined or being approved but with a high interest rate or needing a co-signer. So, check your report and review each account that is reporting to make sure everything is accurate. If something is inaccurate or incomplete at that time then you can dispute the information and get it corrected before you need to use your credit.

If you need help disputing your credit reports, contact the Experts at Ovation Credit Services where you will get First Class Customer Service! Go to www.ovationcredit.com for more information, or call 1-866-639-3426!

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They have done miracles for me. I had some unknown reports and also had a stolen identity issue and they work wonders. I highly recommend Ovation, they keep in touch, explain everything and are very affordable. If you have credit issues, do yourself a favor and call Ovation!

They did everything that they said they could.My credit was ruined due to identity theft in 2017.I found out about Ovation Credit Repair called and they were very helpful and had a lot of information That I didn’t know. I explained everything and they said not a problem they could handle it and they did. The only problem I have with them is having to send them credit reports for what I paid they should find an easier way to get that accomplished like in a text or easy email but all and all they did exactly what they said they were going to do and I now have excellent credit. Thanks Ovation CreditMC

Great company to work with that will help remove creditors that shouldn't be on your credit. Ms.Susan McCoy has been so wonderful to with. (If you can request someone to work with you, I would request her!!) She keeps in contact with you by emails & phone calls to just check in to see how things are going & if she can help with anything else. She definitely does her part in helping get things removed from your credit report. It's only been acouple months working with Ms. McCoy, but we have gotten alot removed from my credit report. BIG THANK YOU to Ms. Susan McCoy @ Ovations Credit Services.

Within 2 month's there has been negative items deleted from my credit report and my credit score went up some. This is a good company to help people that have items in there credit report that doesn't belong there. Monica Tinsley is my credit advisor, she has been helping me every step of the way. So come on you'll, give this company a try.

I just want to say how appreciative I am to Ovation. Maria Murlanda has been nothing but helpful and worked hard (still working hard) to help me reach my goal. My credit just increased 103 points! At first, I was bit uneasy about the process but having the patience and trust in my Credit Advisor is probably one of the best decisions I’ve ever done. Just an FYI, this is not done over night. My husband’s credit is also rising and we are steps closer to getting our first house together! Thank you so much Ovation for working hard for your clients and to Maria.. you are amazing!!!

I had a negative mark on my credit which was making it difficult to start building good credit as a young guy, and Ovation was able to remove my negative mark on every bureau's report fairly quickly. My case advisor Monica Tinsley was efficient, knowledgeable, and quick to answer when I sent her emails. She always made sure to keep the ball rolling on my disputes so that no time was wasted. I would recommend their service to anyone who would like a clean slate on their credit reports.

I just want to say I am very very happy with this company as I used to have Lexington Law and they were a complete rip off no wonder they’re being sued if people don’t know. I have literally may not even two payments and my credit score has went from A little over 400 to 600 already and that is at the lowest plan they have available I was now able to be approved for a capital one card for $500 with a great interest rate they give you your own credit advisor always call you back if you need them and you can’t reach anyone at the time without this company and having a new baby on the way I would not have been able to finally start getting my credit back to where it used to be shot outs to ben, Paul And Cheryl my credit counselor. I would recommend this company to anyone and I have been because of them I’m finally getting my life back on track in such a short period of time it all depends on how much of course you have on your credit report that you need to have taken off but they’ve been excellent. Not only that they try to get things done as quick as possible so you don’t have to keep paying for a long period of time they really work hard for you and I appreciate everything they’ve done for me in such a short period of time. Thank you all so much!!!

The case adviser was competent and professional. She is getting me back on track and is vigorously, restoring my confidence/credit back. She is assume and everyone who is trying to restore their credit back, should consult with her ! Her name is Annette Stephens and she is the best.

I joined for 4 months and they have been able to send disputes and get so many negative items removed raising my credit score over 75 points. I have seen my score jump up each month consistently. I would definitely recommend if you are trying to get on track with raising your credit score.

I’m very blessed to have Ovation Credit Repair to be working on my credit report. Less than 4 months my credit went from 500 to 653 and the progress is still going up. 47 more points and I can get that loan I’ve been trying to get. Thanks Team Ovation

I got a email from Lending Tree saying that I am pre-approved for a loan. After learning that I had some credit issues, I got in touch with Ovation Credit Repair I had 5 negatives and 7 inquiries on my report. After being a client of Ovation Credit Repair, within 3 months my credit went from the low 500 to 653 and it’s still going up. Thanks team Ovation for the work you guys are doing and continue to do for me. TWO THUMBS UP!

After having some issues that I considered to be very serious, Ovation Credit Services reached out to me and stepped up and not only fix the issues, but offered their services at a discounted rate for the future if I needed them. Christina is one of the best representative for a company than I have ever dealt with. Not only did she show personal interest in my situation, she followed through with everything that she promised. I'm very satisfied.

I have had issues with my credit score, I asked around and friend of mine referred Ovation credit services to me with emphasis to ask about Susan McCoy to be my caseworker, Susan McCoy was nice, courteous respectful and the most important parts she is honest, she explained to me that she will file the disputes and I need to be patient, it could take a few months and she will do her best, well her best was amazing after two weeks of her working on my case my numbers jumped from low 600's to 750's, all the disputes went through, I was shocked, happy and forever gracious.Thank you Susan you are the best.

In my previous line of work , I would refer people to credit repair places. I quit doing that because I would get bad feedback on the places . Life changes and I found myself in need of credit repair. Ovation not only fixed my reports but I still retain them a year later because they are spot on in watching and making sure nothing negative is put on there. I recently was a victim of fraud and Ovation called me to ask why so many inquiries recently? Very very pleased with Ovation!Kudos to my guy Nick. Patient man is all I can say ! Great company that gets results !!!Debbi Britt

I AM VERY HAPPY!!!! I was hesitant at first but working with Gerri as been a great experience, our communication is always open and prompt. Ovation Credit has shown me that It's never too late to establish and repair your credit. I appreciate you Gerri. 🙂 Thank you

I AM VERY HAPPY!!!! I was hesitant at first but working with Gerri as been a great experience, our communication is always open and prompt. Ovation Credit has shown me that It's never too late to establish and repair your credit. I appreciate you Gerri. 🙂 Thank you

Susan McCoy is an amazingly kind and caring lady! She helped us navigate through a number of old debts thereby increasing our FICO score from low 400s to over 680 in under 3 months! We have now qualified for a 0% down VA home loan which will CLOSE less than 5 months after working with Susan. Our credit repair coalition with Susan ran flawlessly with absolutely amazingly quick-term resolution! There are no words to express the gratitude we owe to Susan and to her amazing resources within Ovation Credit. Thank you so much for all you've done for us!

I was looking for a company to fix my score credit since there was only one late payment from almost 10 years ago and i did not know that was the reason pulling my score down. The process and communication was amazing and Jenny Owen did an amazing job. After three months my credit score is up ! even when i decided to close my account the process and follow up was amazing ! i would recommend Ovation Credit Services and Jenny Owen

I AM VERY HAPPY!!!! I was hesitant at first but working with Gerri as been a great experience, our communication is always open and prompt. Ovation Credit has shown me that It's never too late to establish and repair your credit. I appreciate you Gerri. 🙂 Thank you

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

I've been a member of Ovation Credit Services for the past four months and overall my experience has been positive. Rose Marie has been filing disputes on my credit reports for the past few months and helped my credit reports return to a clean slate. I had one collections account reported to all three credit bureaus and I honestly didn't want to wait seven years for the collections account to fall off. Now, all of my credit scores are in the 700s and I can move on with my life. I certainly recommend Ovation Credit Services.

I made the right decision by choosing to fix my credit with Ovation Credit Services. it’s only been a couple of months, however, great progress and bettering each month forward. my selected Case Advisor, Monica Tinsley has been extremely helpful and proactive at sending out disputes and getting bad remarks off from my report. thank you so much for your help. highly recommend.

I made the right decision by choosing to fix my credit with Ovation Credit Services. it’s only been a couple of months, however, great progress and bettering each month forward. my selected Case Advisor, Monica Tinsley has been extremely helpful and proactive at sending out disputes and getting bad remarks off from my report. thank you so much for your help. highly recommend.

Extremely helpful service to improve your credit score. The people I have spoken with over the phone have all been thorough and effective in helping my credit score. I would recommend them to anyone looking for this type of service.

I started with Ovation Credit Service back in 2017. I was in need of getting my credit back on track, within months I saw my credit score on the raise. Now in 2019 I feel confident with my credit. Ovation was so easy to work with and the monthly payments which were quite reasonable, were well worth it. So if your feeling that there is just no way of getting your credit repaired call Ovation Credit Service and feel good again about yourself and your credit score. Get your credit repaired and your life back on track. Don't hesitate they can help you.

I first want to say how happy I am with Gerri. We have had a lot of laughs together which has made me feel very comfortable with her. We are now down to one credit bureau and I am so grateful. It is perfect timing because I am looking to move to Santa Rosa to be closer to my son. I would give her a 10 on a scale of 1-10 or 5 on a scale of 1-5. Thank you Ovation Credit Services I will recommend your services to other people. Thanks, so much Michele Soplata

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped over a 100 points in only eight months, and I was able to get the loan I needed to consolidate my debts at a much better interest rate. Everyone overseeing my case was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

I am very happy with the progress Ovation is making on my credit score so far. Only 3 months in and they have had more than 15 negative reports removed from my Credit Report. I started with a FICO score of under 620 and after 3 months it is over 670 and still potential to climb. Special thanks to my Case Adviser PAUL MOORE JR., who is doing a great job leading me through this journey and providing excellent advice and tips along the way.

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped! Nick Rosamilia is absolutely AMAZING! He has been nothing but friendly, knowledgeable and stays in consistent communication about updates. I would definitely recommend this agency!

I am extremely happy with the service that I received from Ovation Credit. My credit score jumped almost a 100 points and I only had the service for two month! Paul Moore was absolutely AMAZING! He was friendly, knowledgeable and stayed in consistent communication with me. I would definitely recommend this agency!

After reviewing various companies that could help us improve our credit scores, we were lucky enough to find Gerri at Ovation Credit Services. From the first phone call, we knew we were in good hands and she was really going to make a difference in our lives. Finding someone who you can trust and is sincerely help you with this sensitive subject is a huge relief. Things are already improving and the entire process is made a million times better working with someone who has a smile strongly come thru!

I had an incredible experience with Ovation Credit Services. I was able to purchase my first home with their assistance. My counselor worked diligently to keep me informed about the progress with my case. She also educated me about the most effective ways to continue to increase my credit score.

Ovation went all out to help me save my credit rating, and did a great job of restoring my rating to a very high level. I would and have recommended this company to anyone . My hat is off to L.A. Williams especially for her efforts to help me out of a deep hole. Thanks again

My husband and I are preparing to buy our first home and wanted to our credit reviewed by professionals. We did our research and found Ovation best suited our needs. Best decision we could have made. We were lucky enough to get Dale Moore as our counselor and hope that you go the extra mile and try and request him. Dale makes you feel like you are his only client which in today's world is very rare. We are happy to say that our credit scores are hugely improved and are on schedule to buy this summer. Thank you Dale and thank you Ovation!!

When I first started my subscription with this company I was a little hesitant but after six to eight months my credit score went from a 520 when I started to a 700. 90$ month is a little steep but they actually work if you have patience and send them all the information they ask for they will do exactly as they promised I highly recommend this service if you can't get your credit fixed

Jenny is very helpful. Everytime there’s an update on my account she emails me. Whenever something happens whether she s making an inquiry or the credit companies update her she lets me know. Looking forward to seeing my credit score rise as I’ve only been with them a month. So far everything is going good.

Ovation credit services a Lending Tree company has been such a blessing to me. My personal creditor Chad Self, has gone the extra mile in being personable and kind to me. I would like to point out that I had hired a different company in the past for a lesser rate and got exactly that... a cut-rate service and did not feel like I was a valued member.With Ovation, I feel like my investment is worth so much more than the monthly dues. Not only do they help repair negative items on your credit but by partnering with Lending Tree they can help you establish credit and qualify for loans as well. More bang for your buck folks! As well, they have a referral program. So be sure to tell them that Darla Watrous sent you. I'm serious folks, best credit decision I've ever made! As well as the top of the line customer service. Every time I hang up the phone I feel like I just spoke with an old friend. The saying is true, "You get what you pay for!" Thank you kindly to all involved in handling my case. I know if they can help me they can help you too. Don't forget to use my name and tell your friends.

So far Ovations has been very good at letting me know what's going on with my accounts. Paul Moore Jr has been very helpful with all my questions and concerns. I am very happy with everything that has been done. Ovation is helping me achieve my goal of buying a house and I am very confident that they will do that.

My case adviser Rose Marie is absolutely incredible. She is extremely through. Under her expertise my credit score increased an amazing hitting over 700 which allowed me to purchase 2 new cars at low interest rates. Thank you Rose Marie and Ovation Credit Services for a job well done!

I started out being skeptical about this company even after doing my research on this company, but i hung in there, stayed patient and followed their directions and it paid off tremendously. My credit score has risen and i can see the results from my credit score and i was very pleased with the staff and my case advisor who has helped me gain the credit power that i wanted and needed. I couldn't have done this so thoroughly on my own, it would have been very time consuming for me. Now that I have ended my membership with ovation credit services, I can move forward on my own and apply all the techniques that i have been taught by this company. Thank you all at ovation for changing my financial credit ability to a positive.

Thanks to Ms. Lou Ann Willams , my Ovation experience has been a joyously memorable one. I am thankful that she has and is continuing to help me attain my goals with credit. She provides the utmost motivation and dedication to her clients and allows her results to speak for her work, and they are magnificent. Ovation Credit Services has been not just a credit saver but a life saver too. Thank you Ms. Lou Ann, Thank You Ovation. Keep up the phenomenal work.

This by far has been one of the best experiences. Mrs. Stephens has (A. Stephens) been there always to either answer a simple question or walk me through this process. I would recommend this company to anyone who needs a little love on their credit.

I have been working with Mr. Paul Moore via Ovation and he has been very helpful and keeps me abreast of whats going on. I am still nervous about my credit clearing and getting to where it needs to be because I am in the process of buying a home and have seen my score decrease due to this process. However, Paul has assured me that all is well and my score will increase and things will get back to normal. I am looking forward to seeing a positive end result.

Hello all, since 10/2018....my credit was in the 500 range..I was skeptical about ovation, but after speaking with Mr. Paul Moore. I am now looking forward to better days, Ovation has disputed several items and inquiries. I now have a credit card and my scores are rising, I highly recommend this service to Restore your credit. The best hands down!!!!

A Google User

13:03 06 Dec 18

I just want to thank Paul Moore for always staying in top of improving my life.. thank you for keeping me calm all through the process for a better life. Love y’all keep up the good work.

So happy with Ovation!! :)Kevin Winkler is my case manager. I am so pleased with his efforts and hard work. He is always kind, friendly and answers all my questions. Keeps me well updated with the status. I am very satisfied with the progress. I highly recommend this company.

I can't believe how quickly my credit score skyrocketed thanks to ovation credit services. They promptly replied to any questions I had and made it a very easy experience for me. Ceiria was my agent and she did an excellent job and was friendly and professional. Thanks!!!

Over the last two months with the help of Ovation, I have increased my credit score over 100 points on all 3 bureaus. I went from no way ever being able to get a loan to actually being able to replace my 13 year old vehicle and possibly buying a house. It also took effort on my part but it has been the best decision I could make.

This company is great! It certainly is NOT TRUE that this company is a scam...Geri is working hard for myself and my partner. They really get things removed off your credit and help you get started to rebuild it by recommending things for you to do. I had alot of medical bills and student loans. I highly recommend this company, its amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

This company is great! Geri is working hard for me and my partner. They really get things removed off your credit and help you get started to rebuild it... I highly recommend them to anyone, amazing!!!! You won't be disappointed, and there are different payment plans, you even get a discount for friends and family....Give it a try.... You do have to be patient, it is a process and it does take time...

I love this place they're doing their best to get my credit situated and they are working extremely hard on this. Yes it does cost money but it'll be worth it in the end if they can get my credit cleared up. I'm going to give them 3 months and if they don't get it cleared up in 3 months then I will cancel it I don't think it should take any longer than 3 months to clear up my credit. Everyone is so helpful and nice friendly and always there to help you.

Very happy with Ovation! Amanda Hines is my case manager and she has been extremely diligent in the handling of my case. They are always available for questions and pleasant to deal with and have worked miracles on my credit score! 5/5 would recommend to anyone who is serious about fixing their credit.

My wife and I started in 2016 and purchased our second house this year. The key to our success was patience. We also did a lot of studying on our own about credit and made it our priority to ask Amanda questions. Any responses we get in the mail we send them to Amanda. I will be honest, I was getting frustrated after a year and asked my wife to cancel the service several times, I'm glad she didn't 🙂 . We still have some negative items, but mainly just student loans. We used Lexington Law in the past and they have a pretty nice portal so I'm giving this company 4 stars, they need to update their online portal, I don't like it, but other than that Ovation Credit, Lendingtree did what they said they would...Help us get a house with a low interest rate!

While, Ovation credit, did nothing for my credit personally, they helped my husband's immensely. He has a fabulous credit rating now. We both have since canceled, I am under my maiden name on this review, so you will not be able to find me. But my husband and I canceled a month or so ago, and they instantly got us all squared away, and were not charged another penny. They work for some and not for others. I guess I can say that about many things. I would recommend giving them a shot...

I had such a great experience with Ovation Credit Services. They were able to clear almost every negative mark off my credit and t went from a 395 to 650. I know it will keep going up if I pay bill on time.

I’ve been using ovation since 5-01 and it is now 5-08 and I’m getting emails from my credit report site saying “your score has improved” I’m up 40 points (yours will vary) and so thankful for ovation and how quick they are!! My consult is awesome my free consultation was super quick and they are so friendly i never thought i would get a quick laugh in over repairing credit. I can not wait to see how high i can get my credit with these people. They even offer discounts to your friends and family for referring them!! I can’t wait to take advantage of that

Ovation did a good job for me. They were prompt with all actions designed to help my credit score. Ovation communicated with me on a daily basis. They were professional and very nice folks. Thank you very much

I have been working with Gerri Swiber for a short time and so far am very pleased with this experience. She has already dedicated a lot of work to helping me and I am already beginning to see some results. She is very professional and I am very thankful to have this program to help improve my credit. Brian Hasty

I didn't believe that it could work especially with all the scams out there, but it does work. I signed up last year in January and since then i have had 42 things on my credit either removed or updated to show correctly on my credit report. I now have 3 credit cards, and will be purchasing a house this year!!!